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The results include the adoption of the current expected credit losses "CECL" accounting standard effective January 1, Susan G. Full year returns also remained strong with a ROAA of 1. The flow of deposits continued throughout the year, and given the COVID pandemic could not be economically deployed into loans, creating excess liquidity. We remain a leader among our peers with an efficiency ratio ofCompany Case 6 Darden Restaurants Balancing Standardization Video
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